ZIP 91326 Insurance Data

Data Snapshot: ZIP 91326 (Porter Ranch, CA)

ZIP 91326 (Porter Ranch, CA) shows an average homeowners insurance premium of $2,570 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 1,595 reported policies. That is 45% above the national average of $1,776 per year, placing this ZIP in the 90th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 38% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 91326 is 85.5%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 6.97%, and the average claim severity (amount paid per claim) is $31,527. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.17% in this ZIP, a rise of 27.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 91326 have risen by 23.0%, ranging from $2,090 to $2,570 with a five-year average of $2,330 — an annualized rate of +5.3% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.